Send this token to your processor and display a success sheet in your app.Your app then receive a payment token in response (Now a payment token contains all the information you need to charge the payment, It’s encrypted using your merchant identifier certificate, so unique to you only you as the developer can decrypt it ).

You also register a merchant ID and create a Payment Processing certificate, which is a cryptographic key that is used to securely send payment data to your server.

Apps that use Apple Pay need to enable the Apple Pay capabilities in Xcode. It’s just another great security benefit of apple pay. They used this certificate to securely encrypt the payment information that we generate so it’s unique to you as a merchant, No body else can decrypt the payment information.

The first thing you need to create a Merchant Identifier, They require this and it uniquely identifies you as a merchant, Now you can set your merchant identifier up on the developer portal or through the Xcode capability window and it’s backed by the private key in a certificate.

So secure elements is this hardware chip that dedicated to securely storing your card information and is available on iPhone 6, 6plus and future devices Apple pay Architecture

Where inApp purchases used for in app content and functionality, In app currency and digital subscriptionĪpple pay is available on all devices that has a secure element chip.

Apple pay used for physical goods and services mean like gym membership, ride sharing, grocery delivery and buying stuff from store.

Merchant see higher checkout conversion rates and faster checkouts after integrating Apple Payĭifference between Apple pay and InApp Purchase.It’s so easy that you don’t need to onboard your users.Private (Card number not exposed Instead you sending a device number along with the unique token that valid only for that purchase).Easy to use (user don’t need to re enter payment, contact, billing and shipping information ).How excited people when apple first introduced apple pay in 2014. Like If you are using Uber app, then Uber company is the merchant What is Apple PayĪpple pay is an easy, private and secure way to pay within application as well as contactlessly and it allows for one touch payments and you can use it for physical goods and services All code follows iOS 11 Api’s MerchantĪ merchant is a company or individual who sells a service or goods.

Majority of the contents were taken from WWDC. Note: Primarily purpose of this article is to put all the contents in one place.

Cannot create wallet apple sandbox